Payment Processing Software

Get the best payment processing software for your business. Compare product reviews, pricing below. Read our buyer’s guide for more help.

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Stripe Screenshot
Stripe is an online payment processing software platform for Internet businesses. Ecommerce stores, software as a service (SaaS) developers, non-profits, and other types of companies use Stripe to collect and process payments…
Client OS
Web
Deployment
Cloud Hosted
PaySimple Screenshot
PaySimple is an all-in-one solution that helps businesses manage billing, payment processing, and customer information. Online, in-person, and mobile payment solutions are available. The mobile app allows you to collect…
Price Range
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Starting Price
$55/month
Client OS
Windows
Deployment
Cloud Hosted
ePay Advantage Screenshot
ePay Advantage offers the latest online payment technology for enterprises that want to provide their customers with the convenience of online billing and payment collection. ePay integrates with Microsoft Dynamics GP to…
Client OS
Web
Deployment
Cloud Hosted
Dex Screenshot
Dex is a payment processing software from Forte Payment Systems. Small businesses to large enterprises use Dex to handle customer needs, change payment methods, cancel payments and grant refunds, and more. Real-time reporting…
Client OS
Web
Deployment
Cloud Hosted
Worldpay Screenshot
Worldpay gives businesses a PCI DSS compliant online payment processing solution. This SaaS based solution allows you to pay as you go or pay in monthly installments. WorldPay accepts multiple payment options including Apple…
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Starting Price
$25.60/month
Client OS
Web
Deployment
Cloud Hosted
PayConex Screenshot
PayConex is a payment gateway system developed by Bluefin Payment Systems for US and Canadian payment processing. The payment gateway is backed by security features from ShieldConex. These security features provide PCI…
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Starting Price
$9.95/month
Client OS
Web
Deployment
Cloud Hosted
Square Screenshot
Square provides online businesses and brick and mortar stores with a payment processing and POS system. The Square card readers allow you to swipe credit cards on the go. Square allows you to set up merchant services, accept…
Client OS
Web
Deployment
Cloud Hosted
AvidXchange Screenshot
AvidXchange
★★★★★
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AvidXchange is an accounts payable solution for midsize companies in industries including real estate, HOA, construction and financial services. AvidXchange’s cloud-based solutions automate accounts payable processes…
Price Range
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Starting Price
$20/month
Client OS
Web
Deployment
Cloud Hosted
ShopKeep Screenshot
ShopKeep
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★★★★★
(1)
ShopKeep is a simple, secure and supportive cloud-based point of sale system that runs on an iPad. ShopKeep also provides contract-free payment processing with a 24/7 customer support team and transparent pricing. Inventory…
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Starting Price
$99/month
Client OS
Web
Deployment
Cloud Hosted
Chargebee Screenshot
Chargebee is a subscription billing and management platform for startups and small businesses to large enterprises. Process one-time purchases or setup recurring invoices. Manage subscriptions, create upsell opportunities…
Price Range
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Starting Price
$299/month
Client OS
Web
Deployment
Cloud Hosted
EIPP Cloud Screenshot
HighRadius Electronic Invoice Presentment and Payment (EIPP) Cloud provides tools that automate and speed up invoice communication and facilitate a faster collection of payments, enabling a closer and more convenient…
Client OS
Web
Deployment
Cloud Hosted
Tipalti Screenshot
Pay your partners anywhere in the world with Tipalti. The global system supports paying to any country of the world with multiple payment methods and currencies. Your partners and suppliers select whether they want their…
Price Range
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Starting Price
$100/month
Client OS
Web, iOS, Android
Deployment
Cloud Hosted
Credit Card Advantage Screenshot
Credit Card Advantage is a powerful, flexible, and secure internet-based credit card processing solution that enables you to verify credit card payments over the web in real-time. This solution seamlessly integrates with…
uAccept Screenshot
From credit card terminal to POS systems, uAccept powers the devices you use to accept electronic payments in face-to-face transactions. Integrated with leading restaurant POS systems or used with stand-alone terminals…
Client OS
Web
Deployment
Cloud Hosted
ACH Universal Screenshot
ACH Universal allows you to easily create and transmit ACH transactions for collections from customers, payments to vendors, payroll to employees and consolidating funds between accounts in different banks. Files can be…
Client OS
Windows
InfoFlo Pay Screenshot
InfoFlo Pay is a web-based and mobile friendly invoicing software that lets you create and send estimates/invoices to an unlimited number of clients! InfoFlo Pay is a completely integrated suite of tools for managing an…
Price Range
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Starting Price
$15/month/user
Client OS
Web
Deployment
Cloud Hosted
NCR CounterPoint Screenshot
NCR CounterPoint
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(2)
CounterPoint real-time software is a graphical point of sale and inventory management system that gives retailers complete data access and control over their business operations. CounterPoint includes a robust inventory…
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Client OS
Windows
Deployment
Cloud or On-Premises
Revel POS Screenshot
Revel POS
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(2)
Check out Revel’s iPad POS Products to learn more about each point of sale product. With every POS software package built specifically for that business type, and built to scale, Revel is sure to have the software package…
Price Range
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Client OS
Mac
Keystroke Advanced POS Screenshot
Keystroke Advanced POS is a full-featured, flexible, powerful point of sale and inventory control system for serious retailers, small startup retail stores, multi-location chains, and well established distribution businesses…
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Starting Price
$135/month
Client OS
Windows
Deployment
On-Premises
Eagle Business Management Software (EBMS) Screenshot
Eagle Business Management Software (EBMS)
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(15)
EBMS contains complete enterprise resource planning tools that are important in managing a business more efficiently. The EBMS software is a great upgrade from more basic software such as QuickBooks and Sage 50/Peachtree…
Price Range
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Client OS
Windows

We searched and searched, but we couldn’t find any products in our database that match your criteria. Perhaps our team of software experts can help? They’d be happy to provide a list of free payment processing software recommendations that meet your exact requirements.

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Payment Processing Software Buyer’s Guide

What is Payment Processing Software?

Payment processing software makes it easy for business owners to set up a merchant account and accept a variety of payment methods from their customers. Ecommerce businesses use payment software to process orders directly from their websites. Most online payment systems have currency conversion features for accepting global payments. The software can also check if customers abandoned items in their shopping cart and send out automatic email notifications to improve your conversion rates. Physical stores also use software to accept EMV chip cards and cash and check payments.

Advanced software can also accept payments from your customer’s mobile device through an app like Apple Pay and Google Pay depending on if the customer uses an Android or iPhone. Some advanced systems also take payments from cryptocurrencies.

Payment processing is a big part of point-of-sale software (POS software). The POS systems also have features like customer loyalty programs, promotion management, age verification, and item lookup. Most POS vendors also sell hardware that is necessary for processing payments like card readers and terminals.

Features of Payment Processing Software

Feature Description
Online Payment Processing Accept one-time and recurring payments through a virtual terminal. Most payment processors will accept payments from major credit cards and debit cards like MasterCard and Visa, as well as ACH bank account transfers, e-checks, and payment service providers like PayPal.
Billing and Invoicing Set up one-time and recurring billing and invoicing for products or services rendered.
Returns and Discrepancy Management Refund payments made from product or service issues, chargebacks, or payment discrepancies.
Sales Performance Reporting Track transactions, returns, and overall sales performance.
Tokenization Protects credit card data used during digital payments.

Benefits of Payment Processing Software

Some benefits of payment processing software include:

Process Payments Anywhere

Payment processing software not only lets customers pay for goods through your eCommerce store, but also allows you to accept payments on the go. Some software systems can be used with mobile card readers that allow you to swipe credit cards or accept payments from a mobile app like Apple Pay or Google Pay. This allows you to accept customer payments in the field and while you’re away from your physical store.

POS screen in uAccept
POS screen in uAccept.

Automate Billing and Invoicing

Payment processing software streamlines billing and invoices. The system sends out bills and invoices for products and services rendered. Customizable templates are usually part of the software that allows you to include your company logo, contact information, product or service description, prices, and due dates. Payment reminders are also automated, ensuring you’re getting paid on time. If payments are late, the system will add applicable late fees.

Payment plans and recurring subscriptions are also billed and processed with online payment software. Customers can have payments automatically withdrawn via bank account transfers or credit card payments. Some payment processing systems may charge extra transaction fees for different payment methods.

Subscriptions management in Stripe
Subscriptions management in Stripe payment processing solution.

Pay Vendors Electronically

There are a few different ways to make payments electronically. Some smaller businesses rely on their financial institution’s online bill pay system to set up payment transactions. With this method, you can plan one-time or automatic payments. This bill pay system relies on the financial institution to process the payment electronically or to send a check on your behalf. Triggering individual payments through your bank is a step in the right direction. It offers an automation benefit in terms of reducing the time it takes to pay your vendor. It also helps create cost savings related to reducing or eliminating check writing costs.

Arranging bank draws with vendors takes the automation a step further, but surrenders a measure of control. With this approach, you provide your business account number to the vendor. Through an EFT (electronic funds transfer) transaction they draw the specified dollar amount from your account on the agreed upon date. ACH (Automatic Clearing House) is a specific kind of EFT that utilizes the Automatic Clearing House network of financial institutions and EFT standards.

More and more accounting solutions are getting on board with electronic transactions. Software based systems offer the strongest level of control. They also help you streamline your bookkeeping processes and improve your ability to accurately understand your real time financial position. Some of the more sophisticated systems even allow you to scan in an invoice from your vendor, route that invoice to the appropriate manager for approval, and then pay that invoice from your accounting software through the click of a button.

Is It for Our Company?

There are electronic payment processing software options for all companies of all sizes. There are even options for companies that are looking to leverage different existing technologies. So, which one is right for you? Let our team gather a bit more information and save you some time by searching for the best electronic payments processing options for your particular business needs. Get started today!